Are you certain the bank is responsible? Can you point me to any legislation or law that states this.

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Fairly certain. No legislation that I know of, however it would covered in the contract a customer has with a bank. Contract law is largely common law based and doesn't have legislation. Customers contract with the bank to withdraw money either from the customer's account or on credit and the bank agrees to do. If the bank doesn't provide the money or provides fake money, they have breached the contract. Not sure if this is the answer you wanted to hear.

I'm not a lawyer, just someone with life experience and a little bit of legal knowledge. Not enough knowledge to be certain, but enough to be useful in some situations, and dangerous in others

Thanks. I can't understand why the banks are claiming it isn't their responsibility then. It appears to me, by what you're saying, it would have to be taken to court for a 'breach of contract'? If that is the case, that really doesn't help those who are being disadvantaged by the counterfeit notes.

Thanks for taking the time to comment. I appreciate your help and I'm hoping a legally trained person with knowledge of the law in this area will see my query and confirm if the bank holds responsibility.